以数据仓库技术构建工商银行个贷信用风险管理体系

国际金融界普遍认为,消费信贷利率和净资产回报率高,且风险分散;但在我国由于缺乏有效的控制风险手段,导致贷款成本偏高,因而在大力发展个贷的同时如何控制个人客户信用风险成为各商业银行急需解决的问题。本文立足工商银行,研究发现近年来该行个贷余额不断扩大,在贷款中占比不断提高;但同时其不良率也有攀升的趋势,因而如何强化个贷信用风险管理也成为该行急需解决的现实课题。对此,笔者提出以数据仓库为依托,构建工商银行个人客户信用风险防范平台,重构个贷信用风险管理流程,是走出个贷“一管就死、一放就乱”两难境地的惟一出路。

Establishing an Individual Credit Risk Management System of ICBC with Data Bank Technology

It is universally acknowledged by the financial circle that consumption credit yields high interest rate and net asset returns with scattered risks. However in China, lack of effective risk control often leads to high credit cost. So how to control individual credit risk becomes an urgent issue to be addressed by commercial banks while extending credit to individuals in a big way. In this paper, ICBC is chosen as a study case. It is found that in recent years, ICBC has enjoyed growing individual credit balance and percentage in the loan total. But at the same time, the rate of sour loans keeps increasing. Therefore, it is a top priority for ICBC to strengthen their management of individual credit risk. Consequently, it is proposed that data bank be used to construct an individual credit risk prevention platform for the entire bank and that individual credit risk management flow be redesigned so that the predicament where "tightening control results in stiffness while relaxing control brings about disorder" will no longer exist.